Also, being that young you would probably have a hard time discussing with sellers with credibility.

@Mindy Jensen how about a Grammy with an outstanding potty mouth, excellent writing skills and good proof reading / editing as well?

Leland and Trent you both  really opened up with  excellent advise.

@Jim Keller@Darren EadyThanks for the excellent information!

Nope, that insight only goes to folks with a little loyalty because I know that if they don't close on this one with me, they will close on the next, so I may as well let them know that the appraisal isn't credible to me.With jumbo: each private end lender is deciding for themselves how conservative or liberal they want to be with their guidelines, and processing/underwriting speed too, and then adjusts interest rate pricing (risk based pricing and/or paying overtime to underwriters) from there.

That is an excellent suggestion.

Btw, I really enjoy crunching numbers (Excel is my friend!)

However, since my family and I have worked with Shawn I would like to say that he is excellent and very professional.

You also have an excellent idea with the washable paint. 

@Marty Johnston is giving you excellent advice.